Abu Dhabi Commercial Bank is a commercial bank in the United Arab Emirates, providing retail, corporate, and investment banking services, as well as wealth management and treasury operations.
Sector: Banks
AE_ADCB
Shares: connector/market_inputs
Monetary columns are in B AED, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.
| Date | Period | Status | Net interest incomeB AED | Net profitB AED | AssetsB AED | EquityB AED | ROE (annualized) | Source |
|---|---|---|---|---|---|---|---|---|
| 2026-06-30 | Q2 2026 (3M) | OK | 5.5 y/y 21.3% | 3.4 y/y 31.5% | 833.2 y/y 16.0% | 89.3 y/y 17.1% | 15.4% | Link |
| 2026-03-31 | Q1 2026 (3M) | OK | 5.3 y/y 21.3% | 3.4 y/y 37.4% | 808.9 y/y 19.0% | 85.8 y/y 16.1% | 15.4% | Link |
| 2025-12-31 | Q4 2025 (3M) | OK | 5.4 y/y 21.1% | 3.3 y/y 29.9% | 773.7 y/y 18.5% | 88.7 y/y 17.4% | 13.6% | Link |
| 2025-09-30 | Q3 2025 (3M) | OK | 4.8 y/y 14.3% | 3.1 y/y 29.2% | 744.3 y/y 16.5% | 79.5 y/y 7.9% | 5.3% | Link |
| 2025-06-30 | Q2 2025 (3M) | OK | 4.5 y/y 10.1% | 2.6 y/y 10.8% | 718.5 y/y 17.4% | 76.2 y/y 7.8% | 13.7% | Link |
| 2025-03-31 | Q1 2025 (3M) | OK | 4.4 y/y 13.5% | 2.4 y/y 14.4% | 679.7 y/y 14.4% | 73.9 y/y 7.6% | 13.1% | Link |
| 2024-12-31 | Q4 2024 (3M) | OK | 4.4 y/y 11.4% | 2.6 y/y 4.9% | 652.8 y/y 15.1% | 75.6 y/y 6.1% | 12.6% | Link |
| 2024-09-30 | Q3 2024 (3M) | OK | 4.2 y/y 22.7% | 2.4 y/y 23.1% | 638.8 y/y 19.0% | 73.7 y/y 12.8% | 4.4% | Link |
| 2024-06-30 | Q2 2024 (3M) | OK | 4.1 y/y 24.6% | 2.3 y/y 19.9% | 612.2 y/y 17.4% | 70.7 y/y 11.0% | 13.3% | Link |
| 2024-03-31 | Q1 2024 (3M) | OK | 3.8 y/y 21.5% | 2.1 y/y 13.9% | 594.4 y/y 18.5% | 68.7 y/y 11.2% | 12.2% | Link |
| 2023-12-31 | Q4 2023 (3M) | OK | 4.0 y/y — | 2.5 y/y — | 567.2 y/y — | 71.3 y/y — | 12.0% | Link |
| 2023-09-30 | Q3 2023 (3M) | OK | 3.4 y/y — | 1.9 y/y — | 536.9 y/y — | 65.3 y/y — | 4.0% | Link |
| 2023-06-30 | Q2 2023 (3M) | OK | 3.3 y/y — | 1.9 y/y — | 521.3 y/y — | 63.7 y/y — | 12.3% | Link |
| 2023-03-31 | Q1 2023 (3M) | OK | 3.2 y/y — | 1.9 y/y — | 501.4 y/y — | 61.8 y/y — | — | Link |
Our earnings breakdowns and investment notes on this issuer.
Group: Banks. Each peer is shown as it trades and re-priced onto this company's market (UAE) by the ratio of our coverage medians.
| Company | Market | Cap, $bn | P/E | P/E, adjusted |
|---|---|---|---|---|
| State Bank of India | India | 93.1 | 10.3x | 5.7x |
| Emirates NBD | UAE | 53.3 | 8.1x | 8.1x |
| HDFC Bank | India | 117.8 | 15.9x | 8.8x |
| Bradesco | Brazil | 44.0 | 9.4x | 8.9x |
| ICICI Bank | India | 104.8 | 17.8x | 9.8x |
| Shinhan Financial Group | Korea | 32.7 | 8.0x | 10.0x |
| First Abu Dhabi Bank | UAE | 58.4 | 10.1x | 10.1x |
| KB Financial Group | Korea | 41.4 | 8.8x | 11.0x |
| Bank Central Asia | Indonesia | 41.6 | 12.9x | 25.7x |
| Royal Bank of Canada | Canada | 268.7 | 18.8x | — |
| Mitsubishi UFJ Financial Group | Japan | 242.3 | 14.3x | — |
| Bank of Nova Scotia | Canada | 110.8 | 20.3x | — |
| Group median | 11.6x | 9.8x | ||
| Group average | 12.9x | 10.9x | ||
| This company | UAE | 34.6 | 9.6x | 9.6x |
Group median 11.6x as traded, 9.8x adjusted; this company 9.6x — a 2% discount.
Group average 12.9x as traded, 10.9x adjusted; against the average this company is at a 11% discount.
At the adjusted group median the market cap would be +2% versus today.
The gap and the implied upside are measured against the median: one richly priced peer moves an average, not a median. The market adjustment uses our coverage medians (US 29.7x, Russia 6.2x, South Africa 11.0x, Kazakhstan 9.3x, India 27.9x, Indonesia 7.7x); it is about where a name is listed, not what it does. Peer multiples come from the nightly rebuild of 2026-10-15; the company's own is live.
No dividend rows found for this issuer.
Investor reporting (IR): https://www.adx.ae/en/main-market/company-profile/financial-reports?symbols=ADCB
Reporting forms detected in loaded periods: ✓ ✓ ✓ (Balance sheet / Profit or loss (P&L) / Cash flows)
Financial results, valuation multiples (P/E, P/B), profitability and dividend yield of Abu Dhabi Commercial Bank (ADCB) — from primary filings.
See also: UAE Stocks (2026): Tax-Free Dividends in Dubai and Abu Dhabi · The Cheapest Bank Stocks in the World (2026): Where Global Banks Trade Below Book · The Cheapest Stocks in the World (2026): What Value Investing Says About Buying Cheap · global valuation map